01201 — Berkshire County, Massachusetts Market Snapshot
Housing market data for zip code 01201 in Berkshire County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
93 sales in 2026 (year to date)
Median Sale Price
$329,900
Days to Sell
42
Homes Sold
93
Inventory
72
Sale-to-List
98.8%
New Listings
135
Price/SqFt
$216
Pending Sales
120
Conforming Loan Available
Most homebuyers in 01201 can comfortably use conventional financing. The median home price of $329,900 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
01201's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 01201 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 01201 can comfortably use conventional financing. The median home price of $329,900 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 01201 are set at the county level.
2026 Loan Limits — Berkshire County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 01201
To purchase the median home at $329,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,678.
Monthly Payment
$2,678
Income Required
$114,754
Principal & Interest
$2,033/mo
Down Payment (5%)
$16,495
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 01201.
Estimated Monthly Payment
$2,192
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